Hey NAME. This is YOUR NAME, AO Globe Life your Veteran’s life insurance company.

The reason I'm calling is because home office let me know you wanted to cancel your policy. Can you fill me in on what happened. *let them answer.

Well I’m really glad I called you. I know you originally got this set up because you don’t want your BENEFICIARY/FAMILY to have the burden of coming out of pocket for your funeral and final arrangements.

Do you remember what exactly you had in place? *let them answer.

So you actually had something in place called Freedom of Choice certificate, and how that works (NAME) is when you die, your BENEFICIARY/FAMILY could take that down to any funeral home they choose, and when the funeral director looks at them and says, “Hey, I'm so sorry for you loss but we need $15,000 today, how would you like to take care of that today?

Well, at that point they just said my (NAME) has the freedom of choice and then they hand over the certificate and go home from there and everything is taken care of. Does that ring a bell? *let them answer.

You had a really good policy place and it looks like you were paying $xxx a month.

Now was that just not comfortable for you now? *let them answer.

Okay, so (NAME) what I’ve done for people in your situation is let’s get you set up with something called the foot in the door program, which is half of the premium that you're previously paying, and then it would slightly adjust your coverage, but that way you would at least have something in place and then you can always add to it in the future.

Now, that would only be $xx a month and that's a lot more comfortable for the family, right? *let them answer.

IF YES: Okay. I'm gonna pull up your file and we will get this take care of for you right away. I’ll send you a quick form to fill out to your email today. Is there anything else I can do for you? *let them answer. Have a good day!

IF NO (if the policy has been accepted): Okay, here’s what we’re going to do then. We’re going to reduce the policy to $5/mo. I’ll send over a quick form for you to fill out. Then I will call you before your next draft date to confirm you want to cancel, and we can have that processed for you. Is there anything else I can do for you? *let them answer. Have a good day!

IF NO (policy is still bring underwritten): Okay, we will go ahead and cancel that policy for you. Is there anything else I can do for you? *let them answer. Have a great day!